Based on what the ratio analysis is telling you write a few


Independent Bank – Use 2016 and 2015 Year End (the financial statement is on the Yahoo Finance)

Use the following rations:

ROE

ROA

Equity Multiplier

Profit Margin

Asset Utilization

Net Interest Margin

Spread

Overhead Efficiency

What to include:

Show the ratios you calculated for 2016 and 2015 Chemical Bank

Based on what the ratio analysis is telling you write a few paragraphs on what your assumptions are about the bank you chose and how well it is doing

determine how well the bank is doing

Also include the change in Net Income and Loan Loss Reserves and comment on your bank’s deposit growth. 

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Financial Management: Based on what the ratio analysis is telling you write a few
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